Out of state vehicle purchase

Everything is negotiable. Dealers make kick backs on financing so it is part of their equation when deciding price.

You can always use their offer to price around, if you are worried about the rate at least ask them to match it.

If the vehicle is in extremely high demand they may not want to budge.. in that case you can always immediately refinance.

This is why you never go into a dealership saying you will pay cash

Almost 800

tell him thats a dealbreaker for you and see what he says.

That's the direction I'm going

I have bought my last two cars out of state. Flew to pick up one and had the other delivered.

First thing to point out, you are buying a vehicle in Florida, which has some of the most lax laws for dealers. Watch out for hidden fees, such as crazy "Doc Fees". Make sure your final price is legit out the door price.

You are not required to use their financing, however the price they are giving you may be dependent you using their financing. They should be clear and honest about that. The last purchased I had 16 months ago from Missouri, I was given 2 prices. One using their lender and one using my lender, that is a valid practice. They get kick-backs from pushing lenders and that is not illegal. My loan through USAA was a better rate and over the duration of the loan saved me $500 over their reduced price using their lender. Do the math, if using their lender is an over all savings then go for it.

They may try to collect the taxes up front and will pay Louisiana on your behalf. Usually they place a little fee to do it. This may or may not be required based off the state you are purchasing from. I have let the dealer collect and also paid them myself upon registering in Texas. Not a big deal either way, just walk through it with them. If you let them do it, there is a trust factor you are going with and hopefully this is not a suspect dealer. The dealer I allowed to do my registration was very big on selling out of state, so they were very efficient and streamlines with the process.

Short version - they are doing a pressure sales tactic, just walk away and they will probably fold.

quote:

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Cash vs. finance is exactly the same to a dealer. They have zero reason to care if you have cash.

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bullshite!!!!
They would much rather you finance through one of thier lenders, they make plenty of money off of financing